Finance's posts - Finnish uPOST

Just as “Buy Here, Pay Here” (BHPH) dealerships seemed to reached the peak of their battles with the Consumer Financial Protection Bureau and various states’ Attorneys General, a new threat has emerged: The “Buy Here, Pay Elsewhere” (BHPE) car lot.

Full confession: I like spreadsheets. As in, I really love spreadsheets. Math can be hit or miss, but when I can create a formula that does the work for me every time, the three of us get along like PB&J.

Personal Questions incoming! In the hunt for a new car, I’m struggling to contextualize how sound of a financial decision my purchase would be, in comparative terms. Plus, I think that responses to these questions from this community would be kind of interesting anyways. So, here are my questions:

I’ve never had a one before but I need to get one so I can start building credit history. I don’t care about rewards or airline miles or anything like that, I’m just looking for something with low interest and flexible payment schedules. Does anyone have some recommendations for a good “beginner’s” card?

You already know that dealers will try to hit you with thousands of dollars in fees when you negotiate the price of a new car. What you may not know is that some fees are completely optional, and can be removed if you push back. the "Dealer Prep," "Advertising," and "Delivery" fees, to name a few, are all prime…